What To Do When You Have A Property Claim

Losses Below the Deductible – Losses that are obviously below the deductible should be handled as any other repair with the following exception: if there is any question as to the scope and amount of damage, we recommend the loss be reported immediately. This will protect you from a “late notice”, situation and give you access to professional advice and direction. Prompt reporting also expedites the response by the insurance carrier should a claim be made.

Losses Exceeding the Deductible – Should be reported by phone immediately. We will arrange for expedited handling by the carrier or TPA.

Water Losses – All water losses must be handled quickly utilizing appropriate repair techniques to eliminate or prevent mold. This is important regardless of whether the loss is covered by your policy or below your deductible. Mold has become a potentially dangerous phenomenon that must be given priority. Please refer to the Water/Mold Loss Protocol for recommended handling.

Reporting Losses After Normal Business Hours

For losses that occur after normal business hours, over a weekend, or on a holiday, you should take reasonable and necessary steps to protect the property from further damage, and obtain detailed invoices for any and all emergency work performed.

Claims should be reported using a standard Property Loss Notice.

Report the loss at the first opportunity the following business day to:

Claims Department
The Distinguished Programs Group
6 East 43rd Street, 15th Floor
New York, NY 10017-4609
888-355-4626
212-297-3131 (fax)
dpgclaims@distinguished.com